Tag: refinancing

How Mortgage Valuations Work for Buy-To-Let Properties

Author: Mark Alexander

26th January 2026, 3 months ago | 0

When applying for a buy-to-let mortgage, one of the most important steps is the valuation. Lenders need to know both...

Product Transfers vs Remortgages – Which Is Better for Landlords?

Author: Mark Alexander

19th January 2026, 3 months ago | 1

When a buy-to-let mortgage deal comes to an end, landlords face a key decision: should they do a product transfer...

Early Repayment Charges – How to avoid costly mistakes

Author: Mark Alexander

12th January 2026, 3 months ago | 0

For landlords, refinancing is a core part of portfolio management. But one element that often catches people out is the...

The Role of Mortgage Brokers in Securing Buy-To-Let Finance

Author: Mark Alexander

5th January 2026, 4 months ago | 0

In 2026, mortgage brokers play a more important role than ever in helping landlords navigate the complex buy-to-let market. With...

Two-thirds of landlords plan to invest despite Budget concerns

Author: Property118.com Landlord News Team

5th January 2026, 4 months ago | 2

Two-thirds of the UK’s landlords are still planning to invest in the PRS this year, even as uncertainty over tax...

How One Landlord Restructured £5m of Debt with Commercial Finance

Author: Mark Alexander

31st December 2025, 4 months ago | 0

Large portfolios can generate significant income – but they also carry significant debt. Managing that debt effectively is crucial to...

From Stalled Project to Success – How a Landlord Used Bridging to Complete a Deal

Author: Mark Alexander

24th December 2025, 4 months ago | 0

Not every property project goes to plan. Unexpected costs, tight deadlines, and lender withdrawals can stall even the most experienced...

Buy-To-Let Mortgages and Personal Guarantees – What You Need to Know

Author: Mark Alexander

22nd December 2025, 4 months ago | 0

Most landlords using limited companies to borrow in 2025 will encounter the requirement to sign a personal guarantee (PG). Even...

Buy-To-Let Mortgages for First-Time Landlords

Author: Mark Alexander

15th December 2025, 4 months ago | 0

Getting started in property investment can feel daunting, particularly in today’s mortgage market. First-time landlords face stricter criteria, larger deposit...

Loan Covenants Explained – Avoiding Traps in Your Commercial Mortgage Agreement

Author: Mark Alexander

10th December 2025, 4 months ago | 0

Loan covenants are one of the least understood parts of a commercial mortgage agreement. Many landlords focus on rate and...

Case study: The landlord who expanded using buy to let gearing

Author: Mark Alexander

8th December 2025, 5 months ago | 0

For landlords, growth often depends on using gearing – borrowing against equity in existing properties to fund further acquisitions. In...

Understanding Personal Guarantees – Risks and Alternatives

Author: Mark Alexander

3rd December 2025, 5 months ago | 0

Personal guarantees are one of the most misunderstood aspects of commercial finance. Many landlords sign them without fully appreciating the...

Incorporation and Mortgages: Financing When You Move to a Company

Author: Mark Alexander

1st December 2025, 5 months ago | 0

Many landlords in 2025 are considering moving their portfolios from personal ownership into limited companies. The drivers are varied: restructuring...

What happens when a buy to let mortgage application is declined?

Author: Mark Alexander

24th November 2025, 5 months ago | 0

Few things are more frustrating for landlords than having a mortgage application declined. You may have spent weeks preparing documents,...

What lenders really think about EPC regulations and ‘green’ finance

Author: Mark Alexander

19th November 2025, 5 months ago | 0

Energy efficiency and sustainability have become central themes in the property market. For landlords, EPC regulations are not just a...

Stress Testing at 145% vs 125% Rental Coverage Rules

Author: Mark Alexander

17th November 2025, 5 months ago | 0

One of the biggest hurdles landlords face in 2025 is passing lender stress tests. Even if your property generates a...

Green Buy-To-Let Mortgages: What EPC Rules Mean for Your Financing

Author: Mark Alexander

10th November 2025, 5 months ago | 0

Energy efficiency has moved from being a “nice to have” to a core requirement in the buy-to-let sector. With government...

How Bank of England Base Rate Changes Affect Buy-To-Let Mortgages

Author: Mark Alexander

3rd November 2025, 6 months ago | 0

Every time the Bank of England announces a change to the base rate, landlords sit up and take notice. The...

How Rising Interest Rates Have Changed the Commercial Lending Market

Author: Mark Alexander

29th October 2025, 6 months ago | 0

Rising interest rates have transformed the lending landscape for landlords. Deals that looked affordable three years ago may now be...

Buy-To-Let Rates: Where Are They Heading?

Author: Mark Alexander

27th October 2025, 6 months ago | 0

Every landlord knows that mortgage rates make or break portfolio cashflow. With thousands of fixed-rate deals coming to an end...